One-fifth of respondents to an Employee Benefit Research Institute survey said they think they should save 20% to 29% of their income for retirement, which offers advisers a starting point for dialogue with clients, said Nevin Adams of EBRI. Advisers also have a chance to help because many people planning to retire early during the past two decades have been unable to do so, Adams said. Among U.S. workers, 23% sought financial advice, and 27% of those said they adhered to the advice, while 28% of retirees got advice and 46% of that amount said they have followed it.

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